Learning outcome(at course level) |
Teaching and Learning Activity |
Assessment Strategies |
---|---|---|
Upon successful completion of this course, the student will be able to:
|
Approach in teaching: Interactive Lectures, Discussion, Tutorials, Practical cases Demonstration, Power point presentation. Learning activities for the students: Self learning assignments, Effective questions, Seminar presentation, Live practical problems analysis |
Written tests, Presentations, Assignment, Quiz. |
Concept of Retail Banking,
Distinction between Retail and Corporate/Wholesale Banking. Retail Products Overview: Types of assets and liability products. Concept of CRM.
Study of Retail assets in terms of Eligibility, Purpose, Amounts,
Margin, Security, Disbursement, Moratorium, Prepayment issues, Repayments/Collection.
Credit/Debit Cards-Eligibility, Purpose, Amounts, Margin, Security, Process of using the cards, Billing Cycle, Credit Points.
Study of retail liabilities in terms of purpose, requirement, procedure and security
Retail Strategies: Tie-up with institutions for retail loans;
Delivery Channels-Branch, Extension counters, ATMs, POS, Internet Banking, M-Banking; Selling process in retail products
Trends in Retailing-New products like insurance, D-mat services, online/phone banking, property services, investment advisory/wealth management, Reverse Mortgage-Growth of e-banking, Cross selling opportunities
Recovery of Retail Loans-Defaults, Rescheduling,
Recovery process- SARAFAESI Act, DRT Act, use of Lok Adalat forum,
Recovery Agents-RBI guidelines
• Agarwal, O.P., Fundamentals of Retail Banking, Himalaya Publishing House, Mumbai.
• Jha, SM, Banking Marketing, Himalaya Publishing House, Mumbai
• Khan, MY, Indian Financial System,Tata McGraw Hill Publishing Company Ltd., New Delhi
• Uppal;, RK,& Bishnupriya N, Modern Banking in India, New Century Publications, New Delhi
Suggested Readings:
• Guruswamy,S., Banking in the New Millenium, New Century Publications, New Delhi
• Indian Institute of Banking & Finance, Retail Banking, Mumbai .
• Mithani.D.M, Money,Banking,International Trade and Public Finance., Himalayan Publication, New Delhi
• Ghosh, D ., Banking Policy in India, Allied Publications, Delhi.
e-RESOURCES:
• World Ebook Library
• https://courses.lumenlearning.com/boundless-economics/
• https://censusindia.gov.in/
• https://fincomindia.nic.in/
• http://www.niti.gov.in/
• https://finmin.nic.in/
• https://www.rbi.org.in/
JOURNALS:
• FIIB Business Review- http:// sagepub.com
• Vikalpa : http:// sagepub.com
• Directory of Open Access Journals
• Bankquest, Indian Institute of Banking and Finance
• Journal of Money, Credit and Banking